THE TRAVELERS PROTECTIVE ASSOCIATION OF AMERICA (EIN 430555650) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1890

Legal Domicile

Principal Officer

ROBERT L SCHAPP JR

Phone

6367242227

Tax Period

2025-01-01 to 2025-12-31

THE TRAVELERS PROTECTIVE ASSOCIATION OF AMERICA, founded in 1890, is a community nonprofit that reported $1.1M in total revenue in fiscal year 2025. Expenses of $1.6M exceeded revenue, resulting in a 54% operating deficit.

Mission

FRATERNAL BENEFIT SOCIETY OFFERING ACCIDENTAL INJURY ONLY BENEFITS TO ITS MEMBERS; PROMOTES CHILD SAFETY, AND COMMUNITY SERVICE PROJECTS.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $274,354

Investment Income $730,377

Other Revenue $52,482

TOTAL REVENUE $1,057,213

Expense Breakdown

Grants Paid $0

Salaries & Benefits $757,274

Fundraising Expenses $0

Other Expenses $736,606

TOTAL EXPENSES $1,631,000

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,057,213	$1,010,934	+0.0%
Expenses	$1,631,000	$1,478,825	+0.1%
Net Income	$-573,787	$-467,891	+0.2%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

Governance Policies

✓ Conflict of Interest Policy

✓ Whistleblower Policy

✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$118,045

Total Directors

$3,750

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JULIE KUPPER	PRESIDENT	1.00	Officer Director	$1,875	$0	$1,875
KAY AYCOCK	DIRECTOR	1.00	Director	$225	$0	$225
DEAN COSTELLO	DIRECTOR	1.00	Director	$225	$0	$225
ALFRED MOORE JR	DIRECTOR	1.00	Director	$225	$0	$225
THOMAS DAVIS	DIRECTOR	1.00	Director	$225	$0	$225
BRADLEY CUNNINGHAM	VICE PRESIDENT	1.00	Officer Director	$75	$0	$75
ROLLIN MILLS	DIRECTOR	1.00	Director	$225	$0	$225
JOHN J CHMIELEWSKI	DIRECTOR	1.00	Director	$150	$0	$150
WAYNE WARNECKE	DIRECTOR	1.00	Director	$225	$0	$225
ED MILLER	DIRECTOR	1.00	Director	$150	$0	$150
RICHARD MARTIN	VICE PRESIDENT	1.00	Officer Director	$150	$0	$150
ROBERT L SCHAPP JR	CHIEF ADMINISTRATIVE OFFIC	34.00	Officer	$115,633	$312	$115,945

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$1,057,213	$1,631,000	$11,529,786	$-573,787
2024	No data	No data	No data	No data
2023	$936,814	$1,797,170	$12,448,939	$-860,356
2022	$906,933	$1,272,081	$13,263,683	$-365,148
2021	$1,188,832	$1,310,980	$13,980,898	$-122,148
2020	$931,628	$1,212,510	$13,872,870	$-280,882
2019	$1,418,362	$1,332,019	$14,305,816	$86,343
2018	$1,181,162	$1,504,715	$14,171,159	$-323,553

THE TRAVELERS PROTECTIVE ASSOCIATION OF AMERICA